Ashley, age 52, has come to you for help in planning her retirement. She works for a bank, where she earns $72,000. Ashley would like to retire at age 62. She has consistently earned 7% on her investments and inflation has averaged 2%. Assuming she is expected to live until age 95 and she has a wage replacement ratio of 80%, in addition to the capital needed to fund her desired retirement income through her life expectancy, how much more will Ashley need at retirement to have the same amount at her death with an equal purchasing power as she will have at her retirement?